Demonstrating apparatus



May 26, 1936. R. P. Ross DEMONSTRATING APPARATUS Filed May 7, 1955 5 SheetS-Sheet 1 May 26, 1936. v R* p ROSS- 2,042,361

DEMONSTRATING APPARATUS Filed May 7, 1955 3 Sheets-Sheet 2 may 26, H936.

R. P. Ross DEMONSTRATIG APPARATUS Filed May '7, 1935 3 Sheets-Sheet 5 3mm I? Ross @LWL WN wm. R. mm, om. Nw mw R.

Patented May 26, 1936 UNITED STATES PATENT OFFICE DEMONSTRATING APPARATUS Ralph P. Ross, Abilene, Tex., assignor to Scientific Sales Methods, Inc., Dallas, Tex.

Application May 7, 1935, Serial No. 20,241

5 Claims.

, ance, as well as life. insurance annuities and similar investments, particularly their adaptability to individual and family needs.

Further objects of the invention are to provide., in a manner as hereinafter set forth, an` apparatus of the class referred to, which is comparatively simple in its construction andarrangement, strong, durable, compact, thoroughly efficient in` its use, conveniently operated, readily assembled and comparatively inexpensive to manufacture.

To the above ends essentially,. and to others which may hereinafter appear, the inventionconsists of such parts, and such combination of parts which fall within the scope ofthe invention as claimed. l

In thedrawings:

Figure 1 is a plan view of the apparatus-.when extended, looking. toward both sections of the graphic receiving chart, andwith theY apparatusin position for demonstrating,

Figure 2 is a fragmentary viewY in plan-ofthe apparatus looking towards the stationary section of the graphic receiving chart, and showingV the slide elements thereof inV adjusted position with respect to said chart section.

Figure 3 .is a plan View of. and looking. towards the outer face of the life scale indicatingelement,

Figure 4 is a planview of and looking towards the outer face of the rear section. of thev outer slide element,

Figure 5 is anplan View of and lookingtowards the outerpfaceofthe rear section of the outer slide element,

Figure 6 is a fragmentaryview in planof and-l lookingtowards the inner face of the outer section of the outer slide element,

Figure '7 is a` fragmentary. view in plan of andV looking towardsthe outer face ofthe intermediate section of the outer slideelement,

Figure 8 is a fragmentary view. in plan ofthestationary sectionof the graphic receiving chart, Figure 9is a longitudinal sectional view ofthe apparatus showing slide `elements vadjusted relative to eachother,

FigurelO is a, sectionpn line.;I-I 0; Figure `1,

Figure 11 is a section on line II-I I, Figure 1, Figure 1.2 is a perspective view of the apparatus when closed, and

Figure 13 is a section on line I3-I 3, Figure 1. The apparatus includes a foldable cover element I of book-like form consisting of a pair of rectangular panels 2, 3 of any suitable material, and a bendable covering member 4 which is common to the panels. The member 4 is formed of a web of any suitable material and is secured to the panels throughout their outer faces, outer end edges and side edges. The latter is also extended upon and secured to the inner faces of said panels. The inner end edges of the panels are spaced from each other to provide for the part of said member 4 to constitute a hinge.V

'I'he panel 2 and that portion of the member 4 which is secured thereto constitutes the back.

section A of element I. The panel 3 and that portion of the member 4 which is secured there.- to constitutes the front section B of element I. The panels 2, 3 are hinged together in a manner to provide, when element I is folded, for the innerV faces 6, 'I of the sections A, B respectively to oppose eachother. Y

Mountedon the sides of section A and extending inwardly therefrom is a pair of oppositely disposed transparent elongated retainers 8, 9 which oppose face 6 of section 8. The outer side portions of the said retainers are positioned under and. retained in position by the parts I0 of member 4.

Theapparatus includes a graphic receivingchart formed of an adjustable and aV stationary section II, I2Y respectively. The section II Yis mounted against the face 6 of cover sectionAand is slidably connected to the latter by the retainers- 8, 9. Thesection II- forms a continuation of section I2. The latter isfixedly secured tol the face 'I of cover section B by a suitable cementi tiousmaterial. The sections II, I2 include panels I3, I4 respectively of any suitable transparent clear surfaced material. The inner`faces of the; panels I3, I4 are provided with parallel spacedV longitudinal lines I5 and parallel spaced horizontal lines I6 intersecting the longitudinal lines'. The lines I5 and I6l are employed when preparing graphics on the outer surface of a chart section. The'lines I5 of section II end- Wise align with the lines I5 of section I2. The lines I5V and I6 are disposed throughout the inner face of panel I3. The lines I5 and I6 do not extend throughout the panel I4- but terminate' at a point spaced from the outer end of such panel. The` inner face of panel 3.has.applid throughout, thereof a coating I1 (Figure 10) of cream colored enamel, leaving the outer surface of panel '3'of clear celluloid for Writing, figuring and graphing thereon with marks which Vmay be easily removed. The longitudinal lines I5 are to represent dollars. The horizontal lines I6 designate the ages of life. The panel I4 has securedto its inner face a life scale indicating element I8V (Figures 1, 2 and 8). The top of the element I8 registers with the outer longitudinal line I5 on panel I4. The graduations I9 of element I8 register with the horizontal lines on panel I4.

' ment Ywith respect to indicator 22.

The element I8, visible through panel I4, will be hereinafter more fully referred to. The latter has its `inner face, below element I 8, provided with the retirement ageindicators (Fig.- ure 8) nity-five, sixty and sixty-five, as at V20, 2l and 22 respectively. The indicators are disposed in parallel spaced relation. The inner face of Ypanel I4 is provided with means, as at 24, to form a longitudinal row of progressively increasing odd numbered, separata-square, parallel spaces 25.forV receiving theV amount of cash and income insurance the beneficiary would receive at whatever age the death of the insured might occur. rIr'he row of spaces 25 extends frgomi'andA is disposed in'endwise spaced align- The odd numbering ofthe spaces starts Vat twentythree Vand ends Y at sixty-five. rlhe designating ofV the spacesY 25V withodd numbers is because these numbers pertain to the squares for the re,-

' cording of' insurance proceeds, etc., every two years. The, spaces 25 are so small that it would be` impossiblexto show these figures everyV year, so the intentionis to record them only once for each two year period. Further the odd numb ering is had instead of even in order that the nal showing will be at the age of 4sixty-five, which is the usual age for maturing a policy, the proceeds of which are to be Vused as an annuity or Vretirement income. The retirement age indicators andthe Vmeans, 24 are visible through panel I4.V The latter below and'in proximity to the `retirement age indicators and means 24 is provided with a longitudinal slot 26 (Figures 1, 2 and 8) having one of its ends enlarged, as at 21. lThe slot 26 extends beyond the means 24 and the indicator 20. The panel I 4, outwardly with respect to the slot 26 (Figure 8) has its inner face provided with conventional spaced meansdesignated 28, 29, 30 to form spaced parallelpairs of rectangular spaces 3|, 32, 33 respectively ,for receiving the indication of the Vamount of vcash and income available for retirement of the insured at the ages of fifty-five, sixty Vand sixty-five. arranged in alignment with `the indicators 20, 2| and22 respectively. The said means 28, 29, 30 are visible throughpanel I4. The latter has its inner face, (Figure 8) Vbelow slot 2li,r providedV with means, as at.33, to form a series of superimposed longitudinal rows 34, 35, 36 of separate, square spaces 31 .which align with and are for the same purpose as the spaces 25. TheV number ofV spaces 31 of each row 34, 35, 36 correspond to.

that of the number of the spaces 25. One end of the said rows n34, 35, 36Vregisters with one end of the pair ofspaces 33. The means 33 is visible through'panel I4. vThe inner face of panel I4 hasv applied thereto throughout a coating 38 (Figure 9) of Ycream colored enamel, leaving the outerY surface of panel, I4 of clear celluloid for writing-figuring and graphing thereon which may be easily removed. The cementitious ma- The means 28, 29, 30 areV terial which secures the chart section I2 to the front section B of the element VI is applied to the coating 38 afterthe latter has been applied to 4 Golden Age, Conservation, Declining and Retirek ment as at 41, 48, 49, 50, 5I and 52V respectively. Each period is identified by a special color 52. 'Ihe color of an earlier period gradually blends into the color of the next laterv period. Preferably the colors used from left' to right'will be Y pink, old rose, gold, green, blue and lavender.

The apparatus Yincludes an inner and kan outer slide element 53, 54 respectively. These Velements are arranged in superimposed Vrelationjwith the element 53 normally concealing the retirement age indicators, the spaces 25, 3I, 31 and the major portion of element (I8. The-V element 53 is slidably connected to front section B of cover element I. VThe element 54 is normally detachably connectedV to the element 53 whereby said elements 53, 54 may be bodily shifted together or theY element 54 shifted-independently of element 53. The elements 53,-54 are of the same length, but of aV length slightly less than that of cover section B.

The element 53 is for selectively exposing respectivelyV the retirement age indicators, the spaces 25, the pairs of spaces below Ythe retirement age indicators and the spaces 31 of the `rows of spaces 34, 35, 36.

cludes an'oblong outer section 55 of clear transparent material andan oblong inner section 56 of opaque materialhaving its outer face secured throughout to the innerface of section 55. The sections 55, 56 are of the'same length, but section 56 is of less width than that of section 55.

The sections 55, 56 have their end edges and,

their outer lengthwise edges flush.` The inner lengthwise edge of section 55 is extended beyond the inner lengthwise edge of section 56. part of section 55 which extends from section 56 is indicated at 51 and is provided on its inner face, adjacent its inner end, with a small circular visible indicator 58 for a purpose to be referred to. The section. 56 is formed with a transverse row of windows 59, 60, 6I between its transverse median and its outervend. The section 56 is also formed with a transverse row of windows 62, 63, 64, 65 arranged in proximity to its inner end. Thek windows are for Vexposingv information or data carried bythe chart section I2. VThe window 59 is arranged in par,-`

ting forth the purpose of the information or dataV exposed through the windowsr59, 60 and'BI. The section 56 has its outer face also provided with That The element 53 inconventional means, as at 10, 1I, 1.2, 13, 14 andA 15, visible through section 55 for setting forth the purpose of the information or data exposed through the windows 62, 63, 64 and 65. The section 55 extends Vacross all of the windows in section 56. ,The sections 55, 56 having aligning openings 15 (Figures 8 and 13) through which extends the shank 11 of a coupling member 18 employed for slidably connecting the slide 53 to the chart section I 8. The member 18 is formed with a-head 119 atitheouterendfofislank V'I'I andA apair of 'oppositely disposed arms 80 at Ythe inner end of the shank 11. Thefarms 80 aredisposed at right anglesto'shank TLYThe latter extends through the slot 26 and in a groove 8| (Figures 9,`11 and 13) formed in the cover section B of elementv I. The groove 8| is of greater Width than that of slot 26. The arms 80 oppose the inner face Vof chart section I2 and coact with head I9 to slidably connect the element 53 to cover section B. The enlarged end 21 ofslot 26 is provided for the entrance of the arms 88 into groove 8|. The element 53 at its inner end has attachedy thereto a pull tab 82. The slide element 54 (Figures 9 and 11) comprises a front section 83, an intermediate section 84 and a rear sectiton 85. The said sections are of oblong contour and of the same length. The sections 84, are of the same width. vThe section 83 is of greater width than the sections 84, 85. 'I'he outer lengthwise edges and end edges of said sections are flush. The section 83 is formed of clear transparent material, preferably Celluloid. The section 84 is formed of card board, and the section 85 of thin metal. The sections 83, 84, in proximity to their inner ends, are formed' with a circular opening 86, the wall of which coacts with the head I9 of coupling member 80 (Figure 13) for detachably latching element 54 to element 53 whereby the said elements will bodily slide together. When element 54 is unlatched it is slidable independent of element 53. The section 85, kat its inner end, is slitted as at 81. The slit opens at the inner end of section 85 and its purpose is for the insertion of section 85 between element 53 and section 84. The slit provides a clearance for shank TI. The section 83 projects beyond the inner lengthwise edges of the sections 84, 85 and said projecting part is designated 88. The inner face of :section 84, adjacent its inner end, is formed with a circular recess 89 opening at each lengthwise edge of said section. Arranged in recess 89 is 'a thin circular metallic disc 98 of a diameter to project beyond the lengthwise edges of said section 84. The disc 90 is painted White, has its edge throughout' provided with saw teeth 9|, and in proximity to said edge, the disc 9!! (Figure 5) is formed in its outer face with a black circular indicator 92 for a purpose to be referred to. The disc 98 is revoluble about a pivot 93 which anchors the sections of element 54 together. The part 88 of section 83 is formed on its inner face with an opaque coating 94 of segmental contour provided centrally with a Awindow 95 for a purpose to be referred to, 'Ihe inner end portion of section 83 is suitably secured to the section 84. That part of section 85 leading from pivot 93 to the inner end edge of such section is free of connection to section 84. rl'he sections of elem'ent 54 adjacent the outer end of the latter are suitably connected together. The outer end of element 54 is provided with a pull tab 34. The teeth of the disc 90 engage in the inner face of a rib 95 formed on the cover section B. A combined guide and retainer member 98 for the elements 53, 54 is carried by cover section B. f

The indicator 58 is to be moved over the life scale element I8 when a demonstration is being carried out by the apparatus. The element I8 represents the persons life moving ahead from year to year and period to period.l Through the windows 52, 63, 64 and 65 may be seen the exact V condition of the insureds estateV at any age when death might occur. These windows are to reveal the amo'u'nt ofready''cash'v the beneficiary would receive iain'ount' of monthly income; `number of years `suclfi'inco'me would continuenand amount o f monthly incoine during -the balance of benef iciar'yfs life time;c Through the windows 59, 68 arid-6I' may be seen the condition of the insureds estatein case he llives to the retirement age.- The windows 53,50 and 8l reveal the age ofY retirement; amount of cash available and a guaranteed 'monthly life income in lieu of'cash. 'Ifhe' windows in rthe inner slide elementl 53v are riormallyclosedl by outer slide element 54.

f When the'slidefiele'ments 53, 54 yare arranged in superimposed-relation'and non-shiftable rela'- tive to Veach othenthe Window 95 is arranged over the indicator 585- On each lrevolution loi disc 99 the latteripasse's directly'under window 95l and gagement of the teeth thereof with'rib 95,. The

indicator 92 represents the'death of the insured; rThe disc 90 completely blots-outthe indicator 58 which represents the life of the insured. As with death, it Yis a matter of chance when indicator 9 2 cornes around.` It appears suddently and'without warningl When it does appear," during-the demonstration the inward 1novement-odfthetelements52, 541s discontinued; The element 54 is then detached from element 53 andY moved out-` wardly whereby'there is revealedy through windows 62, G3, 64 and 65V the exact condition of his insurance estate at the time f his death. If indicator 92 does not appear beforethe age agreed upon for retirement, element 54 is moved inde# pendently of` ele1nent53` and to an extent whereby the windows 59, 50 and 6| willrevea-l the condition ofthe estate for retirement* j l 'In making a demonstration byy the apparatus to a life insurance prospect, the recommended program is all figured out in advance by the agent",4

based on preliminary information. The complete program is shown in graph form on the chart.

The program may be charted in any form to suit the individual agent, showing the recommended life insurance protection at every aga-how funds are provided for childrens college education and the insureds own retirementv period. It may show, also, cumulative premium deposits, cumulative cash values, etc., Aall in grap-h'for vvquick and easy visualization by the prospect.

What I claim is: "if

1. In a demonstrating apparatus for the use .of insurance salesmen,'a Vchart having Ymeans carrying spaced groups of insurance data to be concealed, `means carrying permanently exposed insurance data for association with the groups of data and means to constitute a life age scale interposed between the -said, means for carrying the groups of kdata to be concealedand the means for carrying 'the' Idata tobe permanently exposed, the said life age scale being associated with the data 'upon the chart, an inner slide positioned in superimposed relation with respect to said chart and disposedto conceal 'the spaced groups of data and a portion .of said scale, said slide having spaced selectable sets of windows for exposing a,A selected group oi data, saidjslidebeinfg provided 75 with an indicator representingv the life of the insured for indicating a selected age point of said life scale and afselected group-of data, an outer slide positioned upon and latched to the inner slide to provide for the slides bodily moving together in either direction, said Vouter slide closing said Vsets of windows and capable, when released from'the inner slide, of being moved in- -dependentlyof the inner slide in either direction foropening a set of windows to expose the data of a selected group, said outer slide being formed Y with a window, a toothed disc inwardly of said to expose the selectedY group of data, and supi porting means for the chart provided with means coacting with the teeth of the discior revolving the latter on the shifting of the slides in unison and on the shifting Vof the outer slide independently of the inner slide. Y

2. In a demonstrating apparatus for the'V use of insurance salesmen, a chart having means ,carrying spacedgroups of insurance data to be concealed, means carrying permanently exposed insurance data. for association with the groups Vof data and means to constitute a'life age scale interposed between the said means for carrying the groups of data to be concealed and the means for carrying the data to be permanentlyV exposed, the said life age scale beingassociated with the kdata upon the chart, aninner slide positioned in superimposed 'relation withl respect to said chart and disposed to conceal the spaced groups Y of data and a portion of said scale, said slide having spaced selectablersets of windows for exposing a selected group of data, said slide being provided withan indicator representing the lifek of the insured for indicating a selected age point of said life scale and a selected group of data, an

Y, outer slide positioned upon and latched to the inner slide `to provide for the slides bodily moving'together in'either direction, said outer slide closing said sets of windows and capable, when released from the inner slide, of being moved independently of the inner slide in either direction for opening a set of Windows to expose the data of aY selected group, said outerslide being formed with a window, a toothed disc inwardly of said window of and carried by and within Ythe outer slide for permanently concealing'said indicator and revoluble on the-bodily moving of the slides in unison and when theouter slide is moved inl e dependently of the inner slide, said Vdisc being provided with a concealed deathindicator bodily moving therewith for exposure through the window .on the'outer slide to indicate the death of the insured and for designating whenV the outer Yslide `is to be moved relatively to the inner slide to expose the selected group of data, supporting means for the chart provided with means coacting with the teeth of the disc for revolving the latter on the shifting of. the slides in unison and on the shifting of the outer slide independently l of the inner slide, a coupling member connected to the inner slide, said outer slide having means coacting with said coupling member for latchingl the slides together, and'saidV chart and said supporting means having Vparts coacting with said Y member for slidably connecting the inner slide to said supporting means. Y Y 3. In a demonstrating apparatus forfthe use of insurance-salesmen, a chart ,having means car- Y rying spaced groups of 'insurance data to be concealed, means carrying permanently exposed insurance data fo-r association with the groups of data and means to constitute a life age scale interposed between the said means for carrying the groups of, data to be concealed and the means for carrying the data to be permanently. exposed, the said life age scale being associated with the data upon the chart, an inner slide positioned in superimposed relation with respect to said chart and disposed to conceal thelspaced groups of data and a portion of said scale, said slide having spaced selectable sets of Windows for exposing a selected group of data, said slide being provided' with an indicator representing the life of the insured for indicating a selected age point of said life scale and a selected group of data, an outer slide'positioned upon and latched to the inner slide to provide for the slidesV bodily vmoving together in either direction, said outer slide closing'said sets of windows and capable, when released from the inner slide, of being moved independently of the inner slide in either Vdirection for opening a set of windows to expose the data of a selected group, said outer slide beingformed with awindow, a

toothed disc inwardly of said window of and car- Y ried by and within the outer slide for permanently concealing said indicator Yand revoluble on the bodily moving of the slides in unison and when the outer slide is vmoved independently of the inner slide, saiddisc being provided with aV concealed death indicator bodily moving therewith for exposure through the window on the outer slide to indicate the death of the insured and for designating when the outer slide is to be moved relatively to the inner slide to expose the selected Y group of data, supporting means for the chart provided with means coacting with the teeth of the disc for revolving the latter on the shifting of the slides in unison and onthe shifting of the outer slide independently ofthe inner slide, and a combined guide and retainer forming means common to said slides and-connected to said supporting means.

4. In a demonstrating apparatus for the use of insurance salesmen of that type including a chart provided with spaced groups of concealed insurance data, the Vcombination of an inner slide having means for slidably connecting it to the chart, an outer slide having means coacting with the slidably connecting means of the inner slide for latching said slides in superimposed registry relation, said inner slide being formed with selectable sets of windows for exposing a group of data selected from said spaced groups, said outer slide, when in registry relation with respect to the inner slide, closing said sets of windows, said outer slide being formed'with a. window and a concealed shiftable indicator for exposure through said window, said slides being shiftableV in unison in both directions when in registry across the chart and said outer s lide being shiftable from registry with the inner slide for opening a set of windows to expose a selected group of data, said indicator, when exposed through said window, designating the point when the outer slide is to be moved relative to the inner slide, and means for shifting said indicator to a position for exposure through said window when the slides are moved together when in registry and for shifting the indicator from exposed positionA when the outer slide is moved relatively to the inner slide.

5. In a demonstrating apparatus for the use of insurance salesmen a structure for exposing selectable insurance information carried by a chart, said structure consisting of an inner slide provided with selected sets of Windows for eX- posing selected information on the chart, an oblong opaque member mounted of the selectable information on said inner slide for closing said Windows, a transparent oblong member of greater Width than and mounted upon said opaque member, said transparent member having an opaque portion formed with a circular inner edge to provide the transparent member with a Window, a rotatable element interposed between and connected to said members and formed with a concealed indicator for exposure through said window of the transparent member on the revolving of said element, means for latching said members together vand in registry with said inner slide for closing the Windows of the inner slide, said members forming an outer slide for moving in unison With said inner slide with respect to said chart when said members and inner slide are in registry and for moving independently relative to the inner slide, and said indicator, when exposed through said Window, indicating the point for the moving of the outer slide independently relative to the inner slide for uncovering a set of windows to provide for the exposure of the said selected information, and a support for the chart having means for rotating said element to expose said indicator When the slides move in unison and for revolving said element to conceal the indicator when the outer slide moves independently of the inner slide.

RALPH P. ROSS. 

